Ambetter has some of the most affordable marketplace plans based on average premiums, deductibles, and copays. Its average maximum out-of-pocket limits for individuals ($7,141) and families ($13,556) are the lowest among the companies Investopedia reviewed. The insurer’s Clear Silver plan has no coinsurance or copay for in-network infertility services after you mee💟t yo🤡ur deductible.

However, Ambetter doesn’t have the best drug prices. In Illinois, Ambetter covers fertility drugs such as gonadotropin as tier 4 specialty drugs. So, you’ll have to ask A🅰mbetter if it’ll cover the drug, and if it does, your prescription will likely be expensive. Ambetter’s marketplace plans cꦉharge almost a 50% copay on average nationwide for tier 4 drugs. 

Ambetter also receives many more customer complaints than expected for its size. Its three-year average National Association of Insurance Commis🍃sioners (NAIC) Complaint Index was 2.31. A company that receives the expected number of complaints will receive an index of 1, and Ambetter’s index is well above that.

In general, Ambetter o💖nly covers invitro fertilization (IVF) after you’ve tried cheaper fertility options.

Ambetter was founded in 201🍰4, and its parent company, Centene, is based in St. Louis. It offers marketplace plans in 29 states.

In Investopedia's nationwide review of health insurance companies, Aetna had some of the lowest copays for doctors and pharmacies. Fertility treatments often require large quantities of high-cost medications to succeed, including the commonly used drug gonadotropin. 

Of the seven insurers offering infertility coverage on the Illinois marketplace, Aetna was one of only three to cover gonadotropin. Aetna and Cigna each cover it in their second-most expensive drug cost🍃 tier, while Ambetter covers it at its most expensive. 

While Aetna and Cigna of🎀fered similar coverage in Illinois, we felt Aetna had better drugಌ coverage because it had slightly lower drug copays nationally, especially for family plans.

Doctor visits are also frequent during IVF t✱reatment. Aetna’s Silver S plan covers most in-network fertility care at a flat copay of $80. Most ✤other insurers charge a coinsurance based on a percentage of the cost of care, making it harder to plan your spending. 

Aetna received far fewer complaints than expected for its size over the past three years, which also helped land it on our list of the 澳洲幸运5官方开奖结果体彩网:best health insurance companies. Members get perks like $0 CVS MinuteClinic 𒁃visits and 20% off CVS Health-brand wellness products.&🍨nbsp;

However, in our study, Aetna’s average premiums and deductibles for individual plans are on the higher end. Like Ambetter, Aetna only covers more advanced treatments like IVF after🐬 you’ve tried less invasive and cheaper treatments like artificܫial insemination.

Aetna was founded in 1853 and 💯is based in Hartford, Connecticut. It offeℱrs marketplace plans in 17 states.

UHC offers a Fertility Solutions program that can connect you with a team of fertility nurses. Th🐷e insurer has designated a nationwide network of high-quality fertility Centers of Ex🌳cellence, so members in most areas should have access to an in-network fertility specialist. 

UHC’s NAIC complaint index, a measure of customer complaints relative to market share, is second only to Aetna. However, it’s not the cheapest option–UHC’s Silver Standard plan in Illinois includes a 40% coinsurance for in-network infertility services, higher than Aetna and Ambetter's. Nationally, its average individual 澳洲幸运5官方开奖结果体彩网:silver plan premium is $5ඣ14, higher than most competitors in Investopedia’🌳s study. Its average out-of-pocket maximum of $7,990 is also among the highest.

Like other insurers on this list, UHC ✱only covers advanced treatments like IVF after you’ve tried less costly options. Most plans either exclude or require prior authorization to cover injectable gonadotropin.

UnitedHealthc🐷are was founded in 1977 and is based in Minnetonka, Minnesota.